should I get home insurance included in my loan or use my current insurance carrier that has my vehicles and other things and why?
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More likely than not, any insurance you buy added to your loan, will pay the lender, not you. That’s ALWAYS a bad deal, in my book.
You’re probably best off, buying a homeowners (WITH BUILDERS RISK ENDORSEMENT!) from the carrier that does your vehicles – you’ll get that extra credit on your car insurance right away.
BE SURE your agent knows how to properly insure a home under construction. It’s a bit trickier than insuring cars.